HSBC Bank
HSBC Premier Credit Card
This is an invite only card
Apply and get ₹2200 Rewards
Top Benefits
Earn Up To 12X Points on Hotel, Flight
and car rental bookings through Travel with Points up to 18,000 reward points per month
Get Unlimited Domestic and International Lounge Access
for cardholders plus 8 international guest visits
Best For
Shopping
Dining
Travel
Utility Bills
Joining / Annual Fee
Joining Fees
₹14,160 ( ₹12000 + GST )
Annual Fees
₹23,600 ( ₹20000 + GST )
Eligibility
Age
Criteria*
18-65 years
Salary
Criteria*
36LPA
Credit
Rating*
750+
New to credit
allowed
No
Existing Bank
Customer Allowed
Yes
See if you are eligible for this card
All Card Benefits
- Earn 3 reward points per ₹100 spent on all purchases
- Accelerated rewards up to 12X on travel spends; capped at 18,000 points per month on flights/hotels
- Utility spends capped at 3,000 reward points per month; other spends unlimited
- Reward points never expire and can be redeemed at 1 point = ₹1 for travel/Apple purchases
- 1:1 conversion of reward points to air miles and hotel loyalty programs
How to Redeem Rewards & Cashback?
Rewards Conversion Rate
1 Reward Point = ₹1
Redemption Options
- Airline
- Hotels
- Apple products gift cards
- e-vouchers (via HSBC app)
To check redemption catalogue
Gift card - Key Terms
Once you apply, we will start tracking your application
Generally takes 2-72 hrs
Once the bank confirms us of your successful card activation, we will process your rewards
Generally takes 7-75 days
You can then withdraw your rewards via Amazon Pay Balance/Flipkart gift cards
Generally takes 7-75 days
Note: If you currently hold or have ever held an HSBC Bank Credit Card, you are not eligible for CashKaro Rewards.
Rewards Related
- If you currently hold or have ever held an HSBC Bank Credit Card, you are not eligible for Gift Card
- A minimum transaction of Rs.100 within 30 days is mandatory to activate your card; otherwise, you wont be eligible for the Rewards
- Please use Aadhaar linked mobile number to fill the application
- If the distance between your residence and office addresses is 150 km or more, please ensure that your residence is selected as the mailing address. Applications not adhering to this will be rejected
- VKYC done over 50km from your Aadhaar/communication address will result in application rejection and loss of Rewards
Also, Remember
- Resume your application only via Great.Cards to avoid losing Rewards
- If your Rewards do not track, raise a Missing Rewards Ticket within 30 Days from the application date
- Rewards can only be redeemed as Amazon Pay Balance and Flipkart Gift Card
Bank Exclusions
You will not earn points / cashback on spends in the following categories
For Points / Cashback Earnings
Fuel Spends
EMI transactions
Purchases converted to EMI post facto
Wallet loading transactions
Purchase of Jewelry items
Cash advances
Payment of outstanding balances
Payment of card fees and other card charges
Rental Payments
Government services
Insurance services
Education services
Utility Spends
For Spends Waiver
Fuel Spends
EMI transactions
Purchases converted to EMI post facto
Wallet loading transactions
Purchase of Jewelry items
Cash advances
Payment of outstanding balances
Payment of card fees and other card charges
Rental Payments
Government services
Insurance services
Education services
Utility Spends
Bank Fee Structure
| Structure | Details |
|---|---|
Forex Markups  0.99% Forex Markup is charged when you use your card to pay in any currency other than INR. This fee applies when you shop on international websites that bill in foreign currency or when you make a payment outside India using a POS machine. Below is the forex markup for common spend amounts at 0.99%: ₹100 = ₹0.99 | 0.99% |
APR Fees Finance charges of 2.99% per month apply on unpaid outstanding balances until the amount is fully repaid. | 2.99% |
ATM withdrawal 2.5% of the withdrawn amount is charged on cash advances using the credit card (minimum ₹500, if applicable). | 2.50% |
Reward Redemption Fees No fee is charged when redeeming reward points on this card. | Not Applicable |
Link for all T&Cs | Click Here |
Railway Surcharge A railway booking surcharge of 1.80% for online transactions and 2.50% for other bookings is applied, with additional bank charges and taxes recovered at actuals. | 1.80% |
Rent Payment Fees 1% of the transaction amount is charged as a fee on rent payment transactions, subject to applicable GST and platform charges | 1% |
Cheque Payment Fees ₹350 will be charged in case of cheque bounce, standing instruction dishonour or unsuccessful ECS payment | ₹350 |
Cash Payment Fees ₹100 fee is applicable for making credit card bill payments in cash at HSBC branches | ₹100 |
| Late Payment Fees | Amount Due |
|---|---|
| ₹0 - ₹250 | ₹250 |
| ₹251 - ₹500 | ₹500 |
| ₹501 - ₹1,000 | ₹950 |
| ₹1,001 and above | ₹1,200 |
That’s the full story of this credit card
Like this card? Your apply button’s just there.
Top Benefits
Apply and get ₹2200 Rewards
Top Benefits
Earn Up To 12X Points on Hotel, Flight
and car rental bookings through Travel with Points up to 18,000 reward points per month
Get Unlimited Domestic and International Lounge Access
for cardholders plus 8 international guest visits
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